Credit Cards

[oracles]

Hi Everyone

Do you think i will get a bigger credit limit if i apply in the store or it doesnt matter and i should just go ahead and apply online?

thanks

[Creditaddict]

I usually say no but Walmart gets a lot of feedback on apps not verifying out online and being declined and people going into store and then instant approval.

I applied online and had no issues

Dillards is also one, I think if you get approved Amex version in store, it starts at instant $1500 but then gets manual review, When I got it online I was given an instant line that didn't look like it got manual reviewed, started at $2200.

Otherwise I say doens't matter... but be ready for those mutliple choice questions and some don't make exact sense so people say no match but really it was.

[Mike360]

Think it's best to always apply in store.

[oracles]

i understand for validation reasons its best to go inside the store, but does it make a difference when it comes to who will give a bigger credit limit?

[Mike360]

Yes it does.

[oracles]

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Mike360 wrote:
Yes it does.

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so mike, are you saying i will get a bigger credit limit if i go apply in the store?

[Creditaddict]

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oracles wrote:

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Mike360 wrote:
Yes it does.

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so mike, are you saying i will get a bigger credit limit if i go apply in the store?

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I don't think so with Walmart.

[oracles]

So there is no difference with Walmart if I go into the store or apply online? Maybe I will wait until Monday to apply online if there are any complications and I can just speak to a rep.

[RyVision]

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oracles wrote:
So there is no difference with Walmart if I go into the store or apply online? Maybe I will wait until Monday to apply online if there are any complications and I can just speak to a rep.

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LOLOL 

There is a difference. The difference is not with the opening\starting CL.   The difference is being approved at all.  In store, there is not chance of a problem with them being able to verify your identity. Online, that problem becomes a very real possibility and trying to resolve it with a rep over the phone would be a lot like performing your own dental work..... as far as a successful positive outcome is concerned that is.

It's also better to apply in store (for any card) being it somewhat proves  you actually go IN there, the tend to like that lol.  As for the starting CL, first one must worry about being approved at all.

[oracles]

I am pretty much not to concern with getting approved. I have 720-740 fico scores. I have a clean record and AAoA is 7 years. My only red mark on my credit report is high utilization at 45%. From what I gather, I will be able to be approved for a store card and maybe even the discover. I really just want the card for the fico score, but if I am going to apply, might as well see if I can get the highest limit possible. Therefore that is why I am asking is it better to apply in store or it doesn't matter concerning the limit.